Commercial Van Insurance
If you run a commercial fleet of vans or are simple a "man with a van" then you'll need competitive commercial van insurance policy to ensure get the right cover in the event of an accident.
Cheaper premiums and cover may be available from specialist brokers but the major insurance companies insure vans rather like car insurance and offer excellent quotes online now.
Types of Commercial Van Insurance
Commercial van insurance policies are different from car insurance policies as you are delivering goods and packages or carrying tools for your profession so your insurance not only covers you for accidents against other vehicles and pedestrians but for the stock and goods you actually hold in your commercial van.
Most policies off standard cover in the normal way such as third party claims with fire and theft damage for damages caused by other people to your van and for total cover comprehensive insurance covers you for accidental damage to your van plus personal belongings, medical expenses and personal accident cover. This is essential if your van is your business lifeline as most insurers will provide a hire van for a week or so whilst yours is off the road being repaired.
As your van is seen as a goods vehicle rather than a passenger vehicle so should not be designed to carry more than four people and is less than 3.5 tonnes in gross weight.
Additional Insurance Services Available
Not all van insurance companies are the same and it's worth thinking about what services you require and whether your policy covers them, for example:
- UK call centres with a 24 hours a day hot line
- Optional legal protection cover
- Windscreen repair which doesn't affect your no claims bonus
- Whether you can bring your personal car insurance no claims discount history with you
- Named driver no claims discount
- Discounts for multi vans - if you run a fleet of commercial vans you'll want a discount if you insure more than one
- Breakdown cover
Most van insurers are for commercial vans rather than a private van so that means this insurance is not for taxi companies and won't insure you if you are in the entertainment business generally because of the nature of the equipment carried. But if you are in general business areas then these policies are for your business.
Simply compare van insurance policy wording when you land on any of the insurers we recommend below to see what they are offering against your own expectations.
Recommended Commercial Van Insurance Companies
We have picked 2 companies that you can get free online quotes and instant cover for your commercial van.
Direct Line Commercial Van Insurance
Direct Line commercial van insurance offer excellent rates and cover for commercial vans and throw in numerous benefits and special offers - additionally if you have more than one commercial van you'll get an additional 10% discount. As this insurer isn't on the price comparison websites you should check them out directly. It's easy to get a quote and there are just a couple of questions to complete.
eVan Commercial Van Insurance
With eVan commercial van insurance you get loads of unique benefits including protected NCD, breakdown cover, legal expenses and European cover included as standard. You can easily manage your account online and a quote is easy to get in a matter of minutes.